Oregon Mortgage Lender License & Mortgage Servicer License
Within Oregon, there is no net worth requirement for the Mortgage Lender License or the Mortgage Servicer License. By having a Mortgage Lender License, your company can serve as a broker or a lender within the state. The bond amount for either license is the same and is relatively low. There are also no requirements for audited financials or a brick and mortar location within the state. Your company will also need a Qualified Individual who meets the requirements of the state in terms of a minimum number of years in mortgage lending experience. Both licenses are available for a broker or lender.
| State | License Name | State Fee | Bond Premium Est. | SOS Fee | MLG Processing Fee | Total |
| Oregon | Mortgage Lender License | $1,080 | $375 | $351 | Call for More Information | $1,806 |
| Oregon | Mortgage Servicer License | $1,080 | $375 | $351 | Call for More Information | $1,806 |
License: Mortgage Lender License
- Operating Status: Broker/Lender
- Bond Amount: $50,000
- Net Worth: Positive
- Brick & Mortar: No
- Financial Type: Unaudited
License: Mortgage Servicer License
- Operating Status: Servicer
- Bond Amount: $50,000
- Net Worth: Positive
- Brick & Mortar: No
- Financial Type: Unaudited
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Mortgage Lender License
This license type allows a company to Broker and Lend. This company application is relatively simple in requirements and the state tends to review in a timely manner. OR requires a qualified individual that identifies an experienced person – this person must have at least 3 year’s experience in mortgage lending in the last 5 years. Surety bond amount required is relatively low - in the amount of $50,000.
For more information or to speak to a representative for your state
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**Fees & terms are subject to change without notice.**
To obtain an Oregon mortgage broker license, applicants must apply through the Nationwide Multistate Licensing System (NMLS) and meet the state's detailed regulatory requirements. Oregon’s licensing process is compliance-driven, focusing on professional experience, financial responsibility, and consumer protection. Ensuring that all documentation is complete and accurate is essential to avoid application delays.
For company licensure, Oregon requires a designated Qualified Individual (QI) with at least three years of mortgage experience within the past five years. Applicants must also submit unaudited financial statements showing a positive net worth and secure a surety bond. The bond amount is determined based on the company’s annual loan volume.
While Oregon does not mandate a physical office location within the state, it maintains strict standards for operational transparency and business accountability. All Oregon mortgage broker licenses must be renewed annually through the NMLS between November 1 and December 31.
Although the Oregon mortgage licensing process is more comprehensive than in some states, it is designed to promote responsible lending practices. Companies that are well-prepared and understand the state's licensing expectations will be better positioned for approval and long-term compliance success.